Find Cheaper Kia Rio Insurance in Boston

Tired of trying to scrape together enough money to keep your car insured? You are no different than millions of other drivers.

Astonishing but true, almost 70% of insureds in Massachusetts kept their coverage with the same auto insurance company for at least the last four years, and almost half have never compared quotes from other companies. Most drivers in the U.S. can save hundreds of dollars each year, but they mistakenly think it’s difficult to find cheaper rates by getting comparison quotes. Big companies like GEICO, 21st Century and Progressive persitently shower you with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to get comparison quotes every six months because prices trend upward over time. Despite the fact that you may have had the best deal on Kia Rio insurance in Boston at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the things you must know in order to reduce your cost while improving coverage.

If you’re already insured or just want a better rate, follow these tips to get lower rates without reducing protection. Finding the cheapest coverage in Boston is actually quite easy if you know where to start. You just have to understand the quickest method to buy auto insurance from many different companies online.

Affordable Kia Rio insurance in Boston

The price of auto insurance can be rather high, but you may qualify for discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at quote time, but some discounts are required to be specially asked for before being credited.

• Accident Forgiveness – This one isn’t a discount, but certain companies will let one accident slide without the usual rate increase so long as you haven’t had any claims before the accident.
• Early Renewal Discounts – A few larger companies offer discounts for switching to them before your current coverage expires. It’s a savings of about 10%.
• Accident-Free Discounts – Drivers with accident-free driving histories get the best auto insurance rates in comparison to frequent claim filers.
• Good Student – Excelling in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
• Multi-policy Discount – When you have multiple policies with the same company you may earn approximately 10% to 15%.
• Multiple Vehicles – Purchasing coverage when you have multiple cars with the same company can reduce the rates for all insured vehicles.
• Fewer Miles Equal More Savings – Driving less can earn lower rates due to less chance of an accident.

A quick disclaimer, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce the premium cost.

The information below compares Kia Rio car insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or violations, Massachusetts state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, multi-car, and safe-driver discounts applied.

Insurance companies that may include these benefits are:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• GEICO
• SAFECO
• Liberty Mutual

When getting free Boston auto insurance quotes, it’s a good idea to every prospective company how you can save money. Some credits may not apply in your state.

Kia Rio insurance quotes comparison

Getting low cost Kia Rio auto insurance pricing is surprisingly easy. All that’s required is to spend a few minutes comparing price quotes from some recommended companies.

Comparing rates online is fast and free, and it makes it a waste of time to drive around to local Boston insurance agencies. The ability to get quotes online reduces the need to sit down with an agent unless you have a complicated situation and need the professional abilities of a local Boston agent. Drivers can price shop online but have your policy serviced through an agent.

The companies shown below provide free quotes in Boston, MA. To get the best car insurance in MA, we suggest you get price quotes from several of them to get the best price comparison.

Coverage statistics and figures

The premium information displayed next outlines detailed analysis of rate quotes for Kia Rio models. Having a better idea how car insurance prices are calculated is important for drivers to make informed decisions when comparing rate quotes.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific location which can influence premiums substantially.

Should you raise deductibles?

When comparing car insurance rates, the most common question is which deductibles should you choose. The comparison tables below can help you visualize the price difference when you choose different insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $13 more each month or $156 for a full year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 19 months between claims, you would probably save some money if you decide on a higher deductible. The illustration below shows how this determination is made.

An important thing to remember is that increasing deductibles to save money results in a higher out-of-pocket expense when you do file a claim. You should have some funds available in order to pay more for the deductible.

The example below illustrates how your deductible choice and can increase or decrease Kia Rio yearly insurance costs for each different age category. The premiums assume a married male driver, full coverage, and no discounts are applied to the premium.

Liability only or full coverage

The information below illustrates the comparison of Kia Rio yearly insurance costs when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no definitive rule to exclude physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Kia Rio book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your deductible. If you are currently paying more than $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

How Insurers Calculate Kia Rio Insurance Prices

Smart consumers have a good feel for a few of the rating criteria that help determine your policy premiums. When you understand what determines premiums, this helps enable you to make changes that could help you find lower premium levels.

The list below includes some of the major factors auto insurance companies consider when setting your prices.

• Keep auto insurance claims to a minimum – If you are the type of insured that files lots of claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies in Massachusetts award the lowest premiums to drivers that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of the large, substantial claims.
• Insurance rates in urban areas – Living in a small town is a positive aspect if you are looking for the lowest rates. People in densely populated areas regularly have more aggressive driving styles and more time behind the wheel. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.

• Tickets hurt – Having just one moving violation can increase the cost of insurance twenty percent or more. Good drivers receive lower rates compared to bad drivers. Drivers who have received severe citations like DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.

  The information below highlights how speeding tickets and at-fault fender-benders impact Kia Rio premium costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

• Cheaper premiums for prior coverage – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. You may then be required to file a SR-22 with the Massachusetts motor vehicle department.

• Kia Rio historical loss data – Car insurance companies use claims history when they set coverage costs for each model. Vehicles that statistically have a trend towards higher claims will have a higher cost to insure. The next table shows the actual insurance loss data for Kia Rio vehicles.

  For each coverage type, the claim amount for all vehicles averaged together is represented as 100. Values under 100 suggest a positive loss record, while values that are above 100 point to more frequent losses or a tendency for claims to be larger.

  
  

  Kia Rio Insurance Loss Statistics

  Specific Kia Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Kia Rio	90	109	81	141	158	127

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Situations that may require an agent’s advice

When quoting and choosing insurance from an agent or online, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight if your situation will benefit from professional help.

• Is a fancy paint job covered?
• Is business property covered if stolen from my car?
• What is roadside assistance coverage?
• When should I remove comp and collision on my Kia Rio?
• Is my Kia Rio covered if I use it for business?
• Can good grades get a discount?
• Which companies are cheaper for teen drivers?
• When should I remove my kid from my policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance agent or online?

Many people would prefer to buy from a local agent and that is a smart decision Agents are trained risk managers and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find the lowest rates and also buy local.

To help locate an agent, after submitting this form (opens in new window), your information gets sent to companies in Boston who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent to your email. If for some reason you want to compare rates from a specific insurance company, don’t hesitate to jump over to their website and give them your coverage information.

Finding the right insurer shouldn’t rely on just a low price. A good agent in Boston will have answers to these questions.

• What is the financial rating for the quoted company?
• Is their price quote a firm figure or are their hidden costs?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Does the quote include credit and driving reports?
• Can glass repairs be made at your home?
• If they are an independent agency in Boston, which companies do they recommend?
• Do they get extra compensation for selling add-on coverages?
• Which insurance company do they prefer to write with?

Pick the best auto insurance agent in Boston for you

If you are wanting to find a local Boston insurance agency, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. Insurance policy providers are categorized either independent or exclusive depending on the company they work for. Either one can sell insurance policies, but it’s worth learning the difference in how they write coverage since it can impact your agent selection.

Exclusive Insurance Agencies

Agents of this type can only provide one company’s prices such as Allstate, State Farm and Farm Bureau. They usually cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are usually well trained on the products they sell and that enables them to sell even at higher rates.

The following are Boston exclusive agencies who may provide you with price quotes.

View more Boston agents

Independent Agents (or Brokers)

Independent insurance agents do not have single company limitations and that enables them to quote your coverage with multiple insurance companies and find you the best rates. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies.

When comparing insurance prices, you absolutely need to include price quotes from a few independent agents to maximize your price options.

Shown below is a list of independent insurance agents in Boston that are able to give rate quotes.

View more Boston agents

Why you need quality insurance for your vehicle

Even though Boston Rio insurance rates can get expensive, maintaining insurance is required by state law in Massachusetts and it also provides benefits you may not be aware of.

• Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to drive the car. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your Kia, it’s guaranteed your bank will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may buy a policy for your Kia for a much higher rate and require you to fork over for it.
• Insurance safeguards not only your vehicle but also your assets. It will also reimburse you for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. The average driver in Massachusetts is overpaying over $820 a year so smart consumers compare quotes at least once a year to ensure rates are inline.

Car insurance company ratings

Selecting a highly-rated auto insurance company can be difficult considering how many companies sell insurance in Massachusetts. The company rank data in the lists below can help you pick which providers you want to consider buying from.

Top 10 Boston Car Insurance Companies Overall

1. The General
2. Mercury Insurance
3. Titan Insurance
4. The Hartford
5. Progressive
6. Travelers
7. State Farm
8. Farmers Insurance
9. Safeco Insurance
10. USAA

Lower rates by being persistent

Low-cost Kia Rio insurance in Boston is available from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some companies may not offer online quoting and these small, regional companies prefer to sell through independent agents.

You just read a lot of techniques to compare Kia Rio insurance premium rates in Boston. The key concept to understand is the more times you quote, the better likelihood of getting affordable Boston auto insurance quotes. You may even discover the lowest premium rates are with a small mutual company. Some small companies can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced physical damage coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Steps to finding low-cost rates for Kia Rio insurance in Boston

If your goal is the lowest price, then the best way to get cheaper Kia Rio insurance is to make a habit of comparing prices annually from insurers in Boston.

• Step 1: Try to learn a little about individual coverages and the factors you can control to prevent rate increases. Many factors that cause rate increases like traffic violations, accidents, and a bad credit score can be remedied by making lifestyle changes or driving safer.
• Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from many different companies. Click to view companies
• Step 3: Compare the new rates to the price on your current policy to determine if switching companies saves money. If you find better rates, make sure coverage is continuous and does not lapse.
• Step 4: Provide adequate notice to your current company of your intention to cancel your current coverage. Submit payment and a completed application to your new insurance company. Once received, store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

One thing to point out is to use the same level of coverage on each quote request and to quote with as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and a good representation of prices.

To learn more, take a look at the articles below:

• How to Avoid Common Accidents (State Farm)
• How Much is Car Insurance for Single Moms in Boston? (FAQ)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Rental Reimbursement Coverage (Allstate)